Expertise.com
2024

Last updated:

Best Local Car Insurance Agencies in Baltimore

Our Recommended Top 17

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Baltimore Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

377

Reviewed

233

Curated

17

Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
3675 Park Ave Ste 201, Ellicott City, MD 21043

Why choose this provider?

Established in 1980, J.E. Schenk & Associates Inc. is an independent insurance agency serving Baltimore area residents from its office in Ellicott City, Maryland. The agency partners with a wide array of carriers, including Safeco and Progressive, in order to provide drivers with their ideal auto insurance policy. Popular coverage options include liability, comprehensive, property damage, and uninsured motorist policies. J.E. Schenk & Associates also offers clients health and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (45)
Facebook
4.9 / 5 (28)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
1422 E. Joppa Rd, Towson, MD 21286
  • Motorcyle & ATV

Why choose this provider?

Rider Insurance is an independent agency assisting vehicle owners in Baltimore in choosing coverage that matches their needs and budgets. It offers policies for classic and modern cars, motorcycles, ATVs, mobile homes, trucks, and boats. To provide customers with the appropriate insurance program, its staff consider the type of car they use and their driving experience and record. Rider Insurance carries products from various companies, including Hagerty, Kemper, Liberty Mutual, Progressive, and State Auto.

License Verified:

License: 34509

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (16)
Facebook
4.7 / 5 (10)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
314 Mount Carmel Rd, Parkton, MD 21120

Why choose this provider?

Founded in 1985, the North Central Insurance Agency is a family-owned, independent insurance company located in the Baltimore, Maryland, metro area. Auto coverage professionals work with several top carriers, such as State Auto Insurance Companies, Progressive, and The Hartford, to find the right amount of protection to cover their risk at competitive rates for liability, collision, and comprehensive policies. The agency also offers discounts for homeowners, safe drivers, bundling auto and home coverage, and good credit.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (26)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
6755 Business Parkway Ste 200, Elkridge, MD 21075

Why choose this provider?

Zacharias Insurance Agency, an independent insurance company established in Elkridge, Maryland, in 2011, relies on a deep network of contacts to offer clients superior auto insurance at the most competitive prices. Licensed in Maryland, Virginia, Washington, D.C., Pennsylvania, Ohio, West Virginia, and New York, the agency also assists clients with their personal homeowners and umbrella liability insurance and serves business clients with commercial auto, umbrella, general liability, and professional liability policies.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (67)
Facebook
5.0 / 5 (16)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
3121 Eastern Ave, Baltimore, MD 21224
  • Multiple Carriers

Why choose this provider?

David Rosario is a State Farm insurance agent serving policyholders seeking to secure insurances and financial services in Baltimore. The firm offers car insurance policies, including those that involve collision, rideshare, rental, and comprehensive coverages. In addition, it insures clients' homes, properties, businesses, life, and health. Its lead insurance agent, David Rosario, serves as board president of the Latino Providers Network. He is a member of the Baltimore Hispanic Commission and the Governor's Commission on Hispanic Affairs.

License Verified:

License: 99929256

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.4
Google
4.4 / 5 (104)
Facebook
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
434 E Randall St., Baltimore, MD 21230
  • Multiple Carriers

Why choose this provider?

Goad Insurance Agency Inc., an independent and certified Women's Business Enterprise, offers auto insurance to individuals and businesses in Baltimore and the surrounding areas. It offers various coverages, including liability, medical payments, personal injury protection, uninsured/ underinsured motorist to help customers protect themselves from financial losses in case of unforeseen events. Clients may also opt for additional coverage such as towing, rental reimbursement, and roadside assistance. Additionally, its agents provide insurance for boat and watercraft, flood, worker's compensation, and commercial establishments like retail stores and restaurants.

License Verified:

License: 171958

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.4 / 5 (16)
Facebook
5.0 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
2498 Riva Rd, Annapolis, MD 21401

Why choose this provider?

Founded in 1881, Henry M. Murray Agency Inc. serves clients with automobile insurance needs in Annapolis and the Baltimore metro area. As an independent insurance agency, Henry M. Murray Agency advises clients on the required Maryland automobile insurance mandates and offers extra protection for items such as vandalism, rental car, towing, and roadside assistance, from a wide array of insurance carriers. Specialized insurance policies are also available for antique and vintage automobiles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (25)
Facebook
4.6 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
601 7th Street, Laurel, MD 20707
  • Boats
  • Motorcyle & ATV

Why choose this provider?

Simmerer Insurance is serving the insurance needs of the residents in Baltimore. Its team members accommodate all clients and serve a multitude of insurance policies to individuals, families, and businesses. This includes insurance for homeowners, renters, and car owners. The car policy covers the liability, collision, and comprehensive coverages with some additional protections. The company believes that there is no one-size-fits-all insurance policy; it has to be tailored according to the needs of each client.

License Verified:

License: 100047553

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (97)
Facebook
4.6 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
438 S Main St, Bel Air, MD 21014

Why choose this provider?

AAG Insurance Enterprises Inc. is a locally owned and operated insurance agency located in Bel Air, Maryland, that has been serving residents of the Baltimore metro area for over 25 years. Working with Erie Insurance, Progressive, and many other insurance providers, the company helps clients choose between policies containing bodily injury liability, medical payments coverage, and property damage liability. It also offers several additional coverage options, such as gap insurance coverage and personal injury protection.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (23)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
14 W Saratoga St Ste 100, Baltimore, MD 21201

Why choose this provider?

Kirby Insurance Agency has been selling auto insurance to the drivers of Baltimore, Maryland, since 1934. The company is independent, enabling it to maintain relationships with various providers. It uses these providers to compare clients' current insurance rates to available options to find an ideal solution for their needs. Collision policies can cover vehicle damage and medical bills in the event of an accident, and comprehensive plans can cover damage due to a natural disaster.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (65)
Facebook
5.0 / 5 (24)
Yelp
3.5 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6100 Eastern Avenue, Baltimore, MD 21224

Why choose this provider?

Cyndi Kuhn is a State Farm Insurance agent who has been serving clients in the Baltimore area for more than 30 years. She offers auto insurance that provides compensation for damage in accidents, theft, and vandalism. The policy also covers damage caused by uninsured drivers. In addition, business owners can get her help with getting insurance for fleets and workers' compensation claims. Kuhn also assists individuals who want to put their money in mutual funds.

License Verified:

License: 60214

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.8 / 5 (70)
Facebook
4.9 / 5 (52)
Yelp
5.0 / 5 (1)

Website
1301 York Rd Ste 702, Lutherville, MD 21093

Why choose this provider?

Wetzel and Lanzi Inc. Personal & Commercial Insurance offers a variety of insurance options to residents of the Baltimore, Maryland, area and throughout Maryland, Pennsylvania, Virginia, and D.C. Its auto insurance policy options are vast and include comprehensive, collision, bodily injury liability, personal injury payments, and medical payments coverage. The company works with a wide range of carriers and its staff is dedicated to providing friendly, knowledgeable service throughout the buying and claims processes.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.5
Google
4.5 / 5 (8)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
6600 York Rd Ste 109A, Baltimore, MD 21212
  • Golf Cart & Scooter

Why choose this provider?

Anthony Walker Sr. works as an agent providing car insurance policies to individuals, families, and businesses in Baltimore and the surrounding areas. He helps clients choose from different plans, including protection from underinsured and uninsured motor vehicles, liability coverage, and collision coverage. The policies that he offers cover various types of vehicles, such as commercial auto, sports cars, and classic and antique cars. Walker has been a State Farm agent since 1995 and holds the Life Underwriting Training Council Fellow designation.

License Verified:

License: 57924

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (171)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
408 East 25th Street, Baltimore, MD 21218

Why choose this provider?

Ugele Insurance Agency is affiliated with several companies, allowing it to provide different products for various types of clients and situations. Its products include car insurance, which has a variety of options and coverages, including liability, personal injury, protection against uninsured motorists, and collision. It also offers other personal insurance products, such as life and property. Ugele Insurance Agency serves individuals, homeowners, and businesses in Baltimore. Its president, Banky Gbangbalasa, has been with the brokerage for almost three decades.

License Verified:

License: 99365

Maryland Insurance Administration

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.7 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
405 E Joppa Rd Ste 301, Towson, MD 21286

Why choose this provider?

Goldsborough Insurance, located in Towson, Maryland, has provided drivers in the Baltimore area with VIP personal and commercial auto insurance since 1987. This company works with clients to ensure they are fully protected by reviewing hundreds of auto insurance policies to find the most suitable coverage available. Clients are impressed with Goldsborough Insurance's responsiveness, professionalism, and superior customer service when handling their personal and commercial auto insurance policies and claims processing.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (40)
Facebook
4.7 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
10995 Owings Mills Blvd Ste 220, Owings Mills, MD 21117

Why choose this provider?

Based in Owings Mills, the Donadio Insurance Group is an agency that provides independent insurance services in and around Baltimore. Founded in 1996, the agency discusses a wide range of coverage options with its clients and then sources the most appropriate policy from its insurance carrier partners. Typical coverage includes collision and comprehensive to meet the costs of damage or theft, but it can also include liability to cover the expenses of someone else involved in the accident.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.0
Google
3.7 / 5 (19)
Facebook
4.5 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
11 E Lexington St # 3, Baltimore, MD 21202

Why choose this provider?

Founded in 2011, Baltimore Insurance Network LLC is a locally owned and operated independent auto insurance agency selling to the residents of Baltimore, Maryland. The company works in collaboration with more than 15 major insurance carriers, such as Ohio Casualty, Progressive, and Nationwide, allowing them to offer and explain different policies to protect its clients traditional and antique vehicles. Baltimore Insurance Network LLC also sells home, business, and life insurance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (164)
Facebook
4.7 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Frequently Asked Questions

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is a non-owner car insurance in Baltimore?

    Non-owner car insurance in Baltimore is designed for individuals who require insurance coverage but do not have their own car. It acts as secondary coverage, becoming effective when your liability limits exceed the vehicle owner's. It covers expenses for injuries and damages resulting from accidents while driving someone else's car, especially if the primary insurance is inadequate for repair and medical costs.

  • What specific information is required when obtaining a car insurance quote in Baltimore?

    When requesting a car insurance quote in Baltimore, you should provide the following personal information:

    • Full name
    • Address
    • Age
    • Gender
    • Phone number
    • Email address
    • Marital status
    • Vehicle make and model
    • Desired coverage options and limits
    • Educational background and occupation
    • Names of any additional drivers to be included in your policy
  • Can cars with rebuilt titles be insured in Baltimore?

    In Baltimore, you can insure a rebuilt title car, but full coverage is typically not an option because it used to be a total loss, making it riskier to insure. Automobiles with rebuilt titles frequently only qualify for liability insurance, which is typically more expensive than protection for cars with clean titles. Comparing prices from various insurance companies might help you save money, as you might find one that is more eager to provide competitive rates for rebuilt cars.

  • In Baltimore, under what circumstances is short-term car insurance necessary?

    Short-term insurance in Baltimore is needed for various situations, such as when borrowing someone else's vehicle or when your child comes home from college and wants to drive your car during their break. It's also wise to get short-term insurance if you plan to test drive a new or used vehicle for a day to ensure sufficient coverage in case of an accident.

  • What are the reasons for avoiding a lapse in car insurance coverage in Baltimore?

    Reasons to avoid a car insurance lapse in Baltimore include the following:

    • Driving without insurance is financially risky, as you might be responsible for all accident expenses if you're at fault.
    • A lapse in car insurance can be recorded on your driving history, potentially leading to consequences like license suspension or vehicle seizure.
    • Insurance rates may become less affordable after an insurance lapse.
    • Baltimore mandates auto liability insurance, and lapsing in coverage can result in legal violations and fines for accidents without coverage.
  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.